IDFC
IDFC FIRST Millennia
Standard card · 4/year domestic lounge · no annual fee · 3.5% forex markup.
Strong for lounge access (4/year) and no annual fee · Weak for high forex (3.5%) and low base rewards (~0.5%)
Good for
- Fee-sensitive users
- Airport lounge users
Not ideal for
- International spenders
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹250/month (base rewards)
- Forex cost ~₹1,750 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹0
No annual fee on file.
Lounge
4/year (domestic)
Domestic lounge available; international details not available.
Forex
3.5%
Limited support — verify with issuer
Reward rate
3 pts/₹150
Below median base earn (0.5% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- 4/year
- International visits
- Not included International details not available.
International Use
- Forex markup
- 3.5%
- Product tier
- Standard
Fees
- Annual fee
- ₹0
- Joining fee
- ₹0
Rewards
- Points per ₹150
- 3 pts
- Point value
- ₹0.25
- Effective earn
- 0.5% (at stated point value)
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